Vetta Credit Card
A points card for ₹2,999 a year: 4 points per ₹100 at grocery and department stores, 2 elsewhere, quarterly bonus points, and one domestic and one Priority Pass lounge visit a quarter; points are valued at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹2,999 plus GST Product page |
|---|---|
| Annual fee | ₹2,999 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST Product page |
| AU charges the first year's ₹2,999 fee 90 days after card set-up unless ₹40,000 of retail spend is made in those 90 days; from the second year it is waived on ₹1,50,000 of retail spend in the previous card anniversary year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Grocery and department stores | 4 points per ₹100 Product page | no cap on record |
| Utility and telecom bills (up to 100 points a transaction; BBPS bills earn nothing) | 1 point per ₹100 Product page | no cap on record |
| Insurance premiums | 1 point per ₹100 Product page | no cap on record |
| All other retail spends | 2 points per ₹100 Product page | no cap on record |
Cash, EMI, BBPS and quasi-cash transactions also earn no points.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: 1 domestic airport lounge visit a quarter, 1 international visit a quarter with Priority Pass, and 2 railway lounge visits a quarter — Domestic airport visits need ₹50,000 of spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
- Milestone: 500 bonus points on ₹50,000 of retail spend in a quarter, and 1,000 more on ₹1 lakh Product page
- Milestone: ₹1,000 of vouchers on ₹2.5 lakh of retail spend in a year Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 1,000 bonus points for a retail transaction on your birthday Product page
- 4 international airport lounge visits a year with Priority Pass (1 a quarter) Product page
- 2 railway station lounge visits a quarter Product page
- Air accident cover of ₹50 lakh Product page
- Visa variant: complimentary annual Times Prime membership Product page
- 24x7 global concierge Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- a welcome benefit
- a reward rate on UPI spends with the RuPay card
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver cap: the product page says both 'up to ₹100' and 'Maximum ₹250 per statement cycle'; AU's key fact statement of 30 Sep 2026 gives ₹100 a statement month for Vetta, which CardWise uses.
- Forex markup: the credit card listing FAQ shows 2.99% for Vetta; the product page and the MITC and key fact statement of 30 Sep 2026 give 3.49%, which CardWise uses.
- Point value: the Vetta page gives no rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
38 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Annual Card Membership fee - ₹2,999 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“- For 2nd year onwards fee waiver - ₹1,50,000 retail spends done in previous card anniversary year”
“Cross currency foreign mark-up fees of 3.49% applicable on your international transactions”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“4 Reward Points per ₹100 spent on Grocery and Departmental stores”
“1 Reward Point per ₹100 spent on insurance, utility & telecom.”
“2 Reward Points per ₹100 retail spends on other Merchant categories”
“Cash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation and Quasi Cash transactions are not eligible for Reward Points.”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“- For 1st year fee waiver - ₹40,000 retail spends done within 90 days of card set up”
“Annual Card fee is charged in subsequent statement after 90 days completion of card set up date, in case retail spends based fee waiver condition is not met.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Vetta - 2.99%”
“*Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.”
“With effect from 10th April 2026, access to domestic airport lounges will be based on a minimum spend of ₹50,000 in a calendar quarter”
“Enjoy 1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.”
“1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹250 per statement cycle).”
“Visa Offer Elevate your travel experiences with MakeMyTrip”
“To register your RuPay Credit Card on the UPI application, you must have the same mobile number linked with your RuPay Credit Card and UPI application.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“1 complimentary lounge access per calendar quarter within India, using your AU Vetta Credit Card.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“500 Bonus Reward Points on ₹ 50,000 retail spends* per quarter and additional 1,000 Bonus Reward Points on reaching ₹ 1 Lac retail spends* per quarter.”
“₹ 1,000 worth vouchers on minimum ₹ 2.5 Lac retail spends done in a year.”
“Earn 1,000 Bonus Reward Points when you complete any retail transaction on your birthday.”
“Relax and rejuvenate with 4 complimentary international airport lounge access annually (1 per quarter) using your Priority Pass.”
“2 complimentary lounge access per calendar quarter, using AU Credit Card at railway stations.”
“₹50 lakh - Air accident cover”
“Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers.”
“Call us on our 24 x 7 number at 1800 210 0298 (toll free) or 022-42320298.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“Resident Indian”
“Both salaried and self-employed individuals”
“Vetta Credit Card Premium Lifestyle Deserves Premium Rewards Apply Now”
“Enjoy now amazing offers available on your Vetta RuPay Credit Card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology